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Laut ",{"text":256,"type":49,"marks":257},"ibi",[258],{"type":140,"attrs":259},{"href":260,"uuid":41,"anchor":41,"custom":41,"target":41,"linktype":143},"https:\u002F\u002Fibi.de\u002F",{"text":262,"type":49},"-Studie steigt die Abbruchrate von 10 % auf bis zu 50 %, wenn beliebte Zahlungsarten nicht angeboten werden. Deswegen jede mögliche Zahlungsart anzubieten, ist aber nicht immer die richtige Entscheidung. Folgender Zielkonflikt besteht für Händler: Einerseits soll der Checkout mit den wichtigsten Zahlungsarten möglichst viele Kunden abholen, andererseits verursachen bestimmte Zahlungsarten (bspw. 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Erstkäufern steht diese Zahlungsart dann noch nicht zur Verfügung.",{"type":44,"attrs":276,"content":277},{"textAlign":41},[278],{"text":279,"type":49,"marks":280},"Mögliche Kosten beim Rechnungskauf",[281],{"type":87},{"type":44,"attrs":283,"content":284},{"textAlign":41},[285],{"text":286,"type":49},"Der Kauf auf Rechnung ist in der DACH-Region (Deutschland, Österreich und die Schweiz) besonders beliebt. Prinzipiell ist der Rechnungskauf sehr sicher. Einen Umstand gilt es aber zu berücksichtigen: Erst die Rechnung zu versenden und nach Zahlungseingang die Ware zu versenden, ist für die meisten Kunden keine Option: Sie erwarten eine schnelle Lieferung und senden ungern Geld an unbekannte Händler, ohne die Ware in Händen zu halten. Händler laufen ihrerseits Gefahr, dass Kunden die Rechnung nicht bezahlen – was hohe Prozesskosten verursachen kann. 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Sie ermöglicht das Einziehen von Zahlungen direkt vom Bankkonto und reduziert die aktive Zahlungshandlung des Kunden, birgt für Händler aber die genannten Risiken bei Rücklastschriften. Die Zahlung per Vorkasse reduziert dagegen das finanzielle Ausfallrisiko des Händlers, erhöht aber die Kaufhürde. Sie eignet sich daher eher als ergänzende Zahlungsart denn als alleinige Lösung für einen stark conversion-orientierten Online-Shop.",{"_uid":882,"plugin":52,"content":17},"7864e9fe-6ef0-4747-b72d-c0f10130a36c",{"_uid":884,"type":60,"inline":26,"tooltip":885,"headline":886,"alignment":17,"component":28,"underline":26,"subheadline":17,"display_class":174,"headline_color":31,"subheadline_color":17},"74d2e05a-32ea-4cc5-8857-271ec9a6f731",[],"WERO",{"_uid":888,"size":17,"text":889,"align":17,"color":17,"margin":17,"content":17,"tooltip":891,"richtext":892,"text_new":900,"component":53,"link_color":17,"list_style":17},"efa40690-2d19-4625-94cc-f41aec79b3dd",{"_uid":890,"plugin":36,"content":17},"e0e308b8-9214-4520-86a2-5828ccfb8c62",[],{"type":39,"attrs":893,"content":894},{"backgroundColor":41},[895],{"type":44,"attrs":896,"content":897},{"textAlign":41},[898],{"text":899,"type":49},"Shopify Payments bietet WERO in Deutschland derzeit noch nicht an. 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Dies prägt Kundenerwartungen; PAYONE – als Deutschlands größter Zahlungsdienstleister – stellt für Shopify alle wichtigen Zahlungsarten auch kleineren und mittleren Händlern in einem vergleichbaren Zahlungsarten-Mix zur Verfügung – gebündelt in nur einem einzigen Vertrag.",{"_uid":963,"plugin":52,"content":17},"993744a4-e908-47d9-a4ff-2e5872f15e76",{"_uid":965,"size":56,"component":57},"2bf20495-0fdf-437a-a575-d9e81015a25d",{"_uid":967,"type":152,"inline":26,"tooltip":968,"headline":969,"alignment":17,"component":28,"underline":26,"subheadline":17,"display_class":64,"headline_color":17,"subheadline_color":17},"b69396c2-ce56-4afc-a51e-3158218a5f74",[],"Worauf sollten Händler bei der Auswahl der Zahlungsarten und des Zahlungsdienstleisters achten?",{"_uid":971,"type":60,"inline":26,"tooltip":972,"headline":973,"alignment":17,"component":28,"underline":26,"subheadline":17,"display_class":174,"headline_color":17,"subheadline_color":17},"256f734c-7eac-42f2-bea0-1a4743e9fdc4",[],"1. Die Kostenstruktur vollständig berechnen",{"_uid":975,"size":17,"text":976,"align":17,"color":17,"margin":17,"content":17,"tooltip":978,"richtext":979,"text_new":1043,"component":53,"link_color":17,"list_style":17},"e4ff4eff-269f-41dd-bd7f-3245e22c4959",{"_uid":977,"plugin":36,"content":17},"6ea3e3de-e846-4ab9-aec8-150d1e27faa5",[],{"type":39,"attrs":980,"content":981},{"backgroundColor":41},[982,987,992],{"type":44,"attrs":983,"content":984},{"textAlign":41},[985],{"text":986,"type":49},"Wenn feststeht, welche Zahlungsarten in den Checkout integriert werden sollen, muss ein Händler sich zwischen Shopify Payments (sofern hier alle gewünschten Zahlungsarten zur Verfügung stehen) und einem externen Zahlungsdienstleister wie PAYONE entscheiden. Shopify weist ausdrücklich darauf hin, dass bei der Nutzung eines externen Zahlungsanbieters zusätzliche Transaktionsgebühren anfallen.",{"type":44,"attrs":988,"content":989},{"textAlign":41},[990],{"text":991,"type":49},"Die tatsächlichen Kosten sollten deshalb mindestens diese Faktoren berücksichtigen:",{"type":75,"content":993},[994,1001,1008,1015,1022,1029,1036],{"type":78,"content":995},[996],{"type":44,"attrs":997,"content":998},{"textAlign":41},[999],{"text":1000,"type":49},"Gebühren des Payment Service Providers",{"type":78,"content":1002},[1003],{"type":44,"attrs":1004,"content":1005},{"textAlign":41},[1006],{"text":1007,"type":49},"Shopify-Transaktionsgebühren für externe Anbieter",{"type":78,"content":1009},[1010],{"type":44,"attrs":1011,"content":1012},{"textAlign":41},[1013],{"text":1014,"type":49},"Fixkosten je Transaktion",{"type":78,"content":1016},[1017],{"type":44,"attrs":1018,"content":1019},{"textAlign":41},[1020],{"text":1021,"type":49},"Kosten für Rückerstattungen und Rücklastschriften",{"type":78,"content":1023},[1024],{"type":44,"attrs":1025,"content":1026},{"textAlign":41},[1027],{"text":1028,"type":49},"Kosten für Betrugsprävention",{"type":78,"content":1030},[1031],{"type":44,"attrs":1032,"content":1033},{"textAlign":41},[1034],{"text":1035,"type":49},"Kosten für manuelle Prozesse",{"type":78,"content":1037},[1038],{"type":44,"attrs":1039,"content":1040},{"textAlign":41},[1041],{"text":1042,"type":49},"mögliche Zahlungsausfälle",{"_uid":1044,"plugin":52,"content":17},"57338d7d-15c5-4952-9569-718a44600f22",{"_uid":1046,"icon":291,"text":1047,"title":17,"component":318},"25295e62-d326-4006-a914-11c98082ccdb",[1048],{"_uid":1049,"size":17,"text":1050,"align":17,"color":17,"margin":17,"content":17,"tooltip":1052,"richtext":1053,"text_new":1065,"component":53,"link_color":17,"list_style":17},"91a79364-b9f0-4f12-8a58-f8299bdd24da",{"_uid":1051,"plugin":36,"content":17},"15d95399-63bb-445f-846e-6158aad4f627",[],{"type":39,"attrs":1054,"content":1055},{"backgroundColor":41},[1056],{"type":44,"attrs":1057,"content":1058},{"textAlign":41},[1059,1063],{"text":1060,"type":49,"marks":1061},"Merke: ",[1062],{"type":87},{"text":1064,"type":49},"Entscheidend ist nicht die billigste Transaktion, sondern die niedrigsten Gesamtkosten pro erfolgreicher Bestellung.",{"_uid":1066,"plugin":52,"content":17},"fe338ebc-431e-475f-af23-0d00aa61ae4e",{"_uid":1068,"type":60,"inline":26,"tooltip":1069,"headline":1070,"alignment":17,"component":28,"underline":26,"subheadline":17,"display_class":174,"headline_color":17,"subheadline_color":17},"f02ccb97-6528-4302-9aa7-de9442a48c35",[],"2. 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Händler sollten deshalb prüfen, ob Sicherheitsmechanismen wie beispielsweise 3-D Secure, Bonitätsprüfung oder Fraud Detection eingesetzt werden.",{"type":44,"attrs":1085,"content":1086},{"textAlign":41},[1087],{"text":1088,"type":49,"marks":1089},"Shopify Payments:",[1090],{"type":87},{"type":44,"attrs":1092,"content":1093},{"textAlign":41},[1094],{"text":1095,"type":49},"Shopify Payments ist eine auf Stripe basierende, in Shopify integrierte Zahlungslösung. Da Shopify hier sowohl die Plattform als auch den Payment-Provider stellt, ist der Prozess im Vergleich zu externen Zahlungsdienstleistern etwas vereinfacht:",{"type":75,"content":1097},[1098,1109,1120],{"type":78,"content":1099},[1100],{"type":44,"attrs":1101,"content":1102},{"textAlign":41},[1103,1107],{"text":1104,"type":49,"marks":1105},"PCI-Konformität:",[1106],{"type":87},{"text":1108,"type":49}," Shopify ist als Level-1-PCI-DSS-konformer Anbieter zertifiziert. Da die Zahlungsdaten direkt über Shopifys Infrastruktur verarbeitet werden und nicht auf Ihrem eigenen Server landen, wird der Großteil der Sicherheitslast von Shopify getragen.",{"type":78,"content":1110},[1111],{"type":44,"attrs":1112,"content":1113},{"textAlign":41},[1114,1118],{"text":1115,"type":49,"marks":1116},"Sicherheitsmechanismen:",[1117],{"type":87},{"text":1119,"type":49}," Shopify Payments ist PCI-DSS-konform und nutzt unter anderem Betrugserkennung und 3-D Secure.",{"type":78,"content":1121},[1122],{"type":44,"attrs":1123,"content":1124},{"textAlign":41},[1125,1129],{"text":1126,"type":49,"marks":1127},"Aufwand für den Online-Shop:",[1128],{"type":87},{"text":1130,"type":49}," Händler müssen in der Regel nur einen sehr einfachen Selbstauskunftsbogen (SAQ) ausfüllen, da sie die Daten nicht selbst speichern oder verarbeiten.",{"type":44,"attrs":1132,"content":1133},{"textAlign":41},[1134],{"text":1135,"type":49,"marks":1136},"PAYONE Plugin für Shopify:",[1137],{"type":87},{"type":44,"attrs":1139,"content":1140},{"textAlign":41},[1141],{"text":1142,"type":49},"Bei der Nutzung eines externen Zahlungsdienstleisters wie PAYONE ändert sich die technische Sicherheitsarchitektur:",{"type":75,"content":1144},[1145,1155,1165],{"type":78,"content":1146},[1147],{"type":44,"attrs":1148,"content":1149},{"textAlign":41},[1150,1153],{"text":1104,"type":49,"marks":1151},[1152],{"type":87},{"text":1154,"type":49}," PAYONE ist ebenfalls PCI-DSS-zertifiziert und stellt eine hochsichere Umgebung bereit. Die eigentliche Transaktion und die Speicherung der Kreditkartendaten finden auf den Servern von PAYONE in Deutschland statt. Dadurch kommen sensible Daten nicht mit außereuropäischen Servern in Kontakt.",{"type":78,"content":1156},[1157],{"type":44,"attrs":1158,"content":1159},{"textAlign":41},[1160,1163],{"text":1115,"type":49,"marks":1161},[1162],{"type":87},{"text":1164,"type":49}," Das PAYONE Plugin nutzt sogenannte iFrames oder Hosted Payment Pages. Dabei wird der Kunde im Moment der Zahlung an PAYONE übergeben oder die Eingabemaske wird direkt von PAYONE in den Shop geladen.",{"type":78,"content":1166},[1167],{"type":44,"attrs":1168,"content":1169},{"textAlign":41},[1170,1173],{"text":1126,"type":49,"marks":1171},[1172],{"type":87},{"text":1174,"type":49}," Auch hier bleibt der PCI-Aufwand gering. Händler müssen sicherstellen, dass das Plugin aktuell gehalten wird und die Kommunikation zwischen Shopify und PAYONE verschlüsselt erfolgt.",{"type":44,"attrs":1176,"content":1177},{"textAlign":41},[1178,1180,1184,1186,1190],{"text":1179,"type":49},"Fazit des Sicherheitskriterien-Vergleichs: Shopify Payments und das PAYONE Plugin erfüllen die gleichen grundlegenden Sicherheitsanforderungen (PCI DSS), um elektronische Zahlungen legal und sicher abzuwickeln. ",{"text":1181,"type":49,"marks":1182},"Shopify Payments",[1183],{"type":87},{"text":1185,"type":49}," bietet eine „nahtlosere“ Experience, da die Sicherheitskette innerhalb eines einzigen Anbieters bleibt. ",{"text":1187,"type":49,"marks":1188},"PAYONE",[1189],{"type":87},{"text":1191,"type":49}," bietet oft spezialisiertere Funktionen (z. 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